What is the most common complaint against Credit Central Holdings, LLC?

The most common issue consumers report about Credit Central Holdings, LLC is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 250 complaints filed with the CFPB.

Are complaints against Credit Central Holdings, LLC increasing or decreasing?

Complaints against Credit Central Holdings, LLC are rising. The company received 93 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Credit Central Holdings, LLC's reputation grade?

Credit Central Holdings, LLC has a reputation grade of C (score: 57.5/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Credit Central Holdings, LLC respond to consumer complaints?

Credit Central Holdings, LLC has a 96% timely response rate to CFPB complaints. Consumers disputed the company's response in 8% of cases.

In how many states does Credit Central Holdings, LLC operate?

Credit Central Holdings, LLC has received CFPB complaints from consumers in 21 states, with the most complaints from South Carolina (80 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Credit Central Holdings, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 21 states, reputation grade C.

Compiled by PlainCollector

Attempts to collect debt not owed

92
Communication tactics

47
Took or threatened to take negative or legal action

40
Improper contact or sharing of info

19
Written notification about debt

18
False statements or representation

16

Data updated September 2026

CFPB complaint disposition

CCDB record credit-central-holdings-llc Credit Central Holdings, LLC

Grade C · 250 CFPB filings · 96% timely · lead issue: Attempts to collect debt not owed · vol #450 · compose #2856

VOL 250
GRADE C
12MO 93
STATES 21
TIMELY 96%
DISPUTE 8%
ISSUE Attempts to collect debt n…
RANK #450
COMPOSE #2,856

Volume peers

Nearest volume peer: P.S.C., Inc (250 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Credit Central Holdings, LLC's 250 CFPB complaints sit next to P.S.C., Inc on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

State-heavy filing map

32.0% of Credit Central Holdings, LLC's CFPB filings land in South Carolina

High volume does not equal a clean composite: Credit Central Holdings, LLC is volume #450 but composite #2,856, while South Carolina dominates the geography. Corpus placement method.

Dominant state: South Carolina 32.0%; 80 of 250 filings · 21 states touched
Seasonal peak: 2015-06 9.4%; 8–15% band · 3 filings
Divergent corpus ranks: #450 volume; #2,856 composite; Cleanest-composite ladder is 2,406 places worse than volume

How does Credit Central Holdings, LLC compare to its peers?

How does Credit Central Holdings, LLC compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Credit Central Holding… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

96%

94%

91%

Consumer-dispute ratelower is better

31%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2014-06 2025-10

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	92
Communication tactics	47
Took or threatened to take negative or legal action	40
Improper contact or sharing of info	19
Written notification about debt	18
False statements or representation	16
Taking/threatening an illegal action	12
Cont'd attempts collect debt not owed	5
Threatened to contact someone or share information improperly	1

Where do complaints against Credit Central Holdings, LLC come from?

Credit Central Holdings, LLC's own per-state count, not a national baseline.

South Carolina

80
Alabama

61
Texas

28
Tennessee

26
Georgia

25
North Carolina

6
Florida

3
Louisiana

3

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Credit Central Holdings, LLC: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 250.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 95.83333333333334%.

4 peers

Know your rights before responding to Credit Central Holdings, LLC: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.